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3109 E 8th St, Panama City, FL 32401 Property Records

Bay County property record for 3109 E 8th St, Panama City, FL 32401

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,375 sqft · built 1974
Lot Size0.178 acres (7,754 sqft)
OwnerIndividual Name on Record
Last Sale$205,000 (Feb 2022)
Tax Bill$3,144 (2025)
Deeds & MortgagesFeb 2022 Sale & Mortgage
Dec 2020 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN15658-000-000

Property Details

APN / Parcel Number

Primary APN15658-000-000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,375 sqft Heated Area
Gross Area1,443 sqft
1st Floor Area1,375 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1974
Effective Year BuiltEffective 2014
Exterior MaterialBrick
Roof TypeGable/Hip
Roof MaterialShingle
Lot Area7,754 sqft (0.178 acres)
Lot Dimensions108 ft deep x 72 ft wide
PorchPorch
Porch Area68 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address3109 E 8TH ST
CityPANAMA CITY
StateFL
Zip32401-5116
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionROBINDALE LOT 2 & E 2.5' OF LOT 1 BLK D ORB 4523 P 1435 (2.01)
Legal Range14W
Legal Township04S
Legal Section02
Legal SubdivisionROBINDALE
Legal BlockD
Legal Lot Number1,2
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group3
Census Block3009
Census Tract1100

Owner

Source: Bay County records, as of January 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address3109 E 8TH ST, PANAMA CITY, FL 32401-5116
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Feb 14, 2022Warranty Deed, Transfer · VA Mortgage
MORTGAGE RESEARCH CENTER LLC
Dec 17, 2020Deed of Trust, Mortgage · Balloon Mortgage
ANCHOR NATIONWIDE LOANS LLC
Jun 29, 2020Warranty Deed, Transfer
OMEGA TITLE FL
Jun 25, 2020Warranty Deed, Transfer
OMEGA TITLE SERVICES

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleFeb 14, 2022 · Amount on Record
Deed SaleFeb 14, 2022 · Amount on Record
Prior SaleJun 29, 2020 · Amount on Record
Deed Document Number2022010761
Deed Book / Page4523 / 1435
Record UpdatedJun 8, 2026

February 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateFeb 14, 2022
Property Address3109 E 8TH ST, PANAMA CITY, FL 32401-5116
Document Number0045231435
Book / Page4523 / 1435
Map ReferenceMB 9 PG 47
Instrument DateFeb 14, 2022
Instrument2022010761
Transaction TypeTransfer
Record UpdatedMar 10, 2022
Title CompanySOUTH OAK TITLE PANAMA CITY BCH, SOUTH OAK TITLE PANAMA CITY

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,435.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address5225 E PIMA ST, 5225, TUCSON, AZ 85712-3629

Transferred To (Grantee/Buyer)

NameVerified Name
Address3109 E 8TH ST, PANAMA CITY, FL 32401-5116

Mortgage

Document Number0045231437
DateFeb 14, 2022
Instrument4523/1437
Lender
NameMORTGAGE RESEARCH CENTER LLC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueMar 1, 2052

December 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBAY FL
Property Address3109 E 8TH ST, PANAMA CITY, FL 32401-5116
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanyCHICAGO TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address5225 E PIMA ST, TUCSON, AZ 85712-3629

Mortgage

Document Number0043390874
DateDec 17, 2020
Book Page4339/874
Instrument2020085639
Lender
NameANCHOR NATIONWIDE LOANS LLC
TypeMortgage Company
AddressTHOUSAND OAKS, CA 91362
Agreement
TypeBalloon Mortgage
AmountAmount Recorded

June 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateJun 29, 2020
Property Address3109 E 8TH ST, PANAMA CITY, FL 32401-5116
Document Number0042672200
Book / Page004267 / 002200
Instrument DateJun 25, 2020
Instrument42041
Transaction TypeTransfer
Record UpdatedJul 10, 2020
Title CompanyOMEGA TITLE FL

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address5225 E PIMA ST TUCSON AZ 857123629, TUCSON, AZ 85712-3629

June 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateJun 25, 2020
Property Address3109 E 8TH ST, PANAMA CITY, FL 32401-5116
Document Number0042661854
Book / Page004266 / 001854
Instrument DateJun 24, 2020
Instrument41367
Transaction TypeTransfer
Record UpdatedJul 7, 2020
Title CompanyOMEGA TITLE SERVICES

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address8101 BISCAYAE BLVD #515 MIAMI FL 33128, 515, MIAMI, FL 33128
InvestorPossibly a Property Investor

Tax Assessment & Valuation

Source: Bay County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyBay County
MunicipalitySpringfield City
Unified School DistrictBay County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,144.00 (+6.68%)$198,278 (+15.93%) Land $26,676 Building $171,602$198,278 (+15.93%) Land $26,676 Building $171,602
2023$2,947.00 (+118.13%)$171,034 (+81.05%) Land $22,161 Building $148,873$171,034 (+81.05%) Land $22,161 Building $148,873
2022$1,351.00$94,470 Land $20,314 Building $74,156$94,470 Land $20,314 Building $74,156

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies9 in force
Nearby Flood Claims34 (1980–2022)
Claims Outside the SFHA31 of 34
Most Recent ClaimSep 2022 · rainfall accumulation
Claims by Event
  • Hurricane Michael, Oct 2018 · 6 claims
  • Severe Storms And Flooding, Jul 2013 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 96% of the US · lower than 96% of Florida
Wildfire Likelihood0.02% annual chance
ExposureDirect
burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemCITY OF SPRINGFIELD
serves 8,075 people · EPA ID FL1030148
Water SourcePurchased surface water from BAY COUNTY WATER SYSTEM
Last State InspectionOct 2024
Lead1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water QualityHaloacetic acids
resolved · Jul 2024
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 387 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
WOW Internet, Cable & Phone
Fiber · Cable in parts of the area		5,000 / 5,000
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20

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